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Shopping Around for a Pet Insurance Comparison

With the insurance business growing rapidly, it is not surprising to find that there are numerous companies offering insurance for your pet. It is possible to visit your local supermarket and find a booklet offering pet insurance. However, the best place to look is the internet. www.which.co.uk along with many other pet insurance comparison sites, publish best buy tables, and this gives you a good place to start your search.

As with all insurance policies, it is imperative that you shop around and compare what you are being offered to ensure that you are getting the best insurance at the best price. When it comes to comparing insurances it is slightly more complex than with other things such as televisions etc as the insurers all include and exclude different things on the policies.

When comparing different pet insurance policies, it is important that you consider more than just price.

Some key features to look for when shopping around for Pet Insurance are whether the policy covers....

The cost of advertising for missing pets?

The costs of holiday cancellations if the pet falls ill?

3rd party liability cover? (normally only offered for dog insurance)

Cattery or kennel bills if you were hospitalised?

Emergency vet treatment 365 days a year?

The cost of any complimentary treatment?

The cost of treatment connected to behavioural problems?

The cost of x-rays?

The cost of tests?

Once you know what you want from your policy you can begin to compare the cost of them. Pet Insurance works in exactly the same way as most other insurance policies. The insurance policy will have a premium which is an amount that is charged to you for the cover, usually paid monthly. The premium is affected by certain factors such as your address, the age, weight and past health of your pet.

The monthly premium can be reduced in most cases if you offer to pay a higher excess. This is the amount that you would pay, leaving the insurance company to pay any remainder. Many policies state that you pay an excess per condition per policy year, this is something that you should ensure that you understand before committing to any policy.